Whether it’s routine or an emergency, sometimes you need a good plumber. Fortunately, we’ve found many excellent plumbing outfits in the area, including many that not only rate best for quality work, but also are among the lowest in price.

Because homeowners insurance writers offer roughly the same coverage, price comparisons are easier than they would be if each company sold a unique product. But keep in mind that standard policy limits can vary from company to company.

Start by carefully considering what you think you want. Then weigh your wish list against what you’ll probably pay to fulfill it. Identifying goals and thinking through available options will force some decisions—and also help you set a budget cap.